Maryland Confidential Financial Records law

Maryland bars banks and other fiduciary institutions from disclosing a customer's financial records unless the customer authorizes it, a statutory exception applies (such as guardians, estate representatives, public assistance verification, adult protective services, child support, or tax liens), or a properly certified subpoena is served with notice to the customer. A 2026 amendment (ch. 510, effective 2026-10-01) adds disbursement-delay authority and disclosure duties to protect seniors and vulnerable adults from exploitation.